PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Covenant

Farmington, MI · Charter 64043

Q4 1994

$4.9MAssets
$3.8MLoans
$4.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.99%.
  • Asset quality: problem loans at 4.39% of loans.
  • Funding: loans stand at 83.03% of shares as of Q4 1994.

Financial Results

Return on Assets (YTD, annualized)

1.99%

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994YoY ΔTrend
Earnings
Return on Assets1.53%1.99%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.69%4.39%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans1.06%0.90%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares79.63%83.03%n/a
Liquid Assets / Assets20.42%11.79%n/a